THE FUNDWORKS
Product Information Guide
Unlock Your Business Potential
At The Fundworks, we understand that every business has its own set of challenges and aspirations. That’s why we provide a variety of quick and adaptable funding options designed to fit your specific requirements. Whether you're looking for working capital to cover daily operations, a line of credit to support your growth journey, or tailored financing for new equipment or expansion projects, our team is dedicated to helping you advance with speed and certainty.
Merchant Cash Advance
A Merchant Cash Advance (MCA) is a form of short-term financing that allows businesses to receive funds against their future revenue or credit card sales, making it suitable for a variety of businesses, including those with only a few months of revenue, unique assets, or in growth phases. The process is straightforward: businesses receive cash upfront, and repayment occurs through a percentage of daily credit card sales, aligning payments with cash flow.
Product Overview
- Provides quick working capital with flexible repayment
- Repayments are typically daily or weekly based on revenue
- Best for businesses needing fast access to cash without traditional loan requirements
500+
FICO SCORE
6+ Mths
In Business
$10,000
Monthly Revenue
$1,000
Avg. Daily Balance
($700 Min.)
*Consideration of negative days, overdrafts, NSF charges, and existing MCA positions
Equipment Financing
Product Overview
- Used to finance business equipment purchases
- Fixed rates starting at 7.5%
- 2-6 year terms (6 years for A-paper clients)
- Monthly payments
650+
FICO SCORE
2+ Years
In Business
$35K - $75K
Monthly Revenue
Comparable credit history (e.g., financing $50K requires a ~$35K installment seasoned for 2 years)
Sba Loans
SBA loans are business loans backed by the Small Business Administration (SBA) to support small business owners in the U.S. They vary in size and purpose, such as working capital, equipment purchases, refinancing, or real estate acquisition. With guarantees up to 85%, lenders can provide easier access to capital with reduced risk. Consultation with an SBA loan specialist is essential to understand usage restrictions and to navigate costs, qualifications, underwriting, and funding timelines.
Product Overview
- USDA B&I: Up to $25M
35-year amortization
- SBA 504: Up to $17M
25-year amortization
- SBA 7(a): Up to $7.5M
25-year amortization
- Conventional Loans:
Up to $5M
25-year amortization
- Funding available for construction, acquisitions,
and refinancing
15% Min. Equity
for SBA 7(a), 504, and USDA B&I
10% Min. Equity
for Conventional Loans
*Business properties include ALF, MC, SNF, Hospitals, and Substance Abuse Treatment facilities
TERM LOANS
Product Overview
- Funding amounts up to $4 million
- Short-term (up to 12 months)
- Fast approval for business expansion, inventory, and growth capital
650+
FICO SCORE
3+ Years
In Business
$250,000
Monthly Revenue
Line Of Credit
A conventional business term loan provides a fixed amount of capital that is paid back through regular payments at a consistent interest rate over a period of one to five years. These loans are commonly utilized for one-time investments and can assist business owners in refinancing high-interest debt, thanks to their lower interest rates and more favorable cost of capital.
Product Overview
- Provides flexible on-demand funding
- Business only pays interest on what is used
- Best for managing cash flow, payroll, or short-term expenses
620+
FICO SCORE
2+ yrs
In Business
$250,000
Monthly Revenue
5+ YRS
Credit History
*<10% debt coverage ratio
Consolidation Loans
Product Overview
- Helps businesses combine multiple high-cost advances into one structured
repayment
- Terms up to 15 Mths
- Max. funding amount: $5M
500+
FICO SCORE
$300,000+
Monthly Revenue
20% - 50%
Daily Pament Savings
*Can consolidate up to 8 MCA positions or unlimited positions
Invoice Factoring
Product Overview
- Unlocks cash flow by advancing payments on outstanding invoices
- Funding from $5,000 to $250,000
- Monthly rates range from
1.5% to 4%
- Best for businesses with
slow-paying clients needing immediate cash
500+
FICO SCORE
1+ yr
In Business
$25,000
Monthly Revenue